BDCU Alliance Bank Credit Cards

BDCU Alliance Bank offers one credit card option, a low rate Visa that you can use to make payments in-store, online or over the phone. If you have Apple Pay, Google Pay or Samsung Pay, you can also add this card to your account and shop straight from your mobile phone or device. You can use this guide to learn more about the BDCU Alliance Bank Visa credit card, along with other features you'll get if you join the bank.

BDCU Alliance Bank credit cards

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Name	Product	Purchase rate	Interest-free period	Balance transfer rate	Annual fee
BDCU Visa Credit Card		7.99% p.a. for 6 months, reverts to 12.49% p.a.	Up to 55 days on purchases	12.49% p.a.	$45	A no-frills Visa card with up to 55 days interest-free on purchases and a low minimum credit limit of $1,000.	More Info	Compare	loading Fetching your data...

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Types of credit cards from BDCU Alliance Bank

• Low rate credit card

The BDCU Alliance Bank Visa charges the same interest rate for all transactions. It offers an introductory rate of 7.99% for the first 6 months, which then reverts to a variable rate of 12.49% p.a. This can help you save on interest charges if you carry a balance from month to month, but it's worth comparing a range of low rate credit cards to help you find one that works for you.

The benefits of a BDCU Alliance Bank credit card

If you're interested in a credit card from BDCU Alliance Bank, here are some of the key benefits and features you'll get access to:

• Visa benefits

You can use a BDCU credit card in person, online or over the phone, with worldwide acceptance through the Visa network. When you're in a store, you can tap to pay and won't need to enter a PIN if the purchase is under $100. Online, you'll get added protection through Visa Secure. You also get access to exclusive shopping, dining, entertainment and travel offers through Visa Offers + Perks, with the latest deals listed on the Visa Australia website.

• Digital wallets

You can link your BDCU Alliance Bank credit card with Apple Pay, Google Pay or Samsung Pay, then make contactless payments from your smartphone or other compatible device.

• Banking options

Check your credit card balance and manage your account at any time with Internet banking, the BDCU mobile app or by calling the phone banking service on 1300 367 500. If you use the BDCU mobile app, you can even lock or unlock your credit card if you ever lose it and want to look for it.

How to apply for a BDCU Alliance Bank credit card

You can apply for a BDCU Alliance Bank credit card online by filling in a secure application form on the bank's website. Before you get started, check that you meet the following eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

• Australian residency status. You should be an Australian citizen or permanent resident.
• Age. You must be at least 18 years of age.
• Income. You should have a regular income and stable job.

Required documents

• Personal details. This includes your full name, date of birth, residential address, email address and phone number. You also need to provide a valid form of ID, such as your driver's licence or passport.
• Employment details. As well as your salary, you'll need to include details about your employment status and your employer's contact information. You may also need to provide recent payslips or bank statements to help verify these details.
• Financial details. This covers any other forms of income, along with other assets such as savings or investments. You also need to provide details about your existing credit cards, loans, other debts and your regular household expenses such as rent, mortgage payments and utility bills.

If you have any questions about the application process, you can call the BDCU Alliance Bank team on (02) 4860 4000 (Mon-Fri, 9am-5pm) or visit your nearest branch.

Frequently asked questions

Have a question about BDCU Alliance Bank credit cards? Here you'll find answers to some of the most common ones. If there's something else you'd like to know, you can also get in touch using the comment box below.

• How can I repay a BDCU credit card?

  Your credit card statement will give you details of the different payment options, including:

  • Electronic transfers
  • Direct debits
  • Phone banking
  • Mailed payments

  If you have any questions about managing your credit card payments or other account details, call BDCU Alliance Bank on (02) 4860 4000.

• How do I get interest-free days on purchases?

  You need to pay your account balance in full by the due date on each statement to be eligible for interest-free days. Please note that interest-free days do not apply to cash advances and cash transactions, such as bill payments.

• What happens if I lose my card?

  If you lose your card, you can lock it through the BDCU Alliance Bank mobile app while you look for it. If you can't find your credit card or you think someone has stolen it, report it as soon as possible by calling 1800 648 027.

• How can I cancel my BDCU Alliance Bank credit card?

  To close your account, you'll need to visit a branch, call (02) 4860 4000 or send an email to memberservice@bdcualliancebank.com.au. Note that you will need to settle the entire account balance before you can completely cancel your card. You can learn more about cancelling a credit card in this guide.